Peer to Peer Lending is a relatively new asset class in India but has been an active asset class in UK and US for more than 14 years now. How does P2P lending fit in an asset allocation and what advantage does it provide compared to an Equity and Bond Portfolio? Let’s see the performance … Read more
There are 2 Kind of people : Who believe you can’t time the market Who believe you should invest in market only when it’s undervalued. Both are correct to an extent , though it’s not impossible to time market but to do it consistently is impossible but it is possible to improve your odds of … Read more
Its not an apple to apples comparison ! POINT 1: House Return = Residential property Return + Your house Buying Skill Let’s first start comparing Real Estate Return with Broad stock market Return I have written few answers on this ,how the end results is determined by many factors Without Leverage Real Estate Return = … Read more
With the growing size of the book finding volume becomes important and I will have to look for more platforms which can provide good risk adjusted returns. Any suggestions are welcome! I have compiled my latest portfolio performance with NPA Initially for the first 7-8 Months realising NPA and delinquency was a challenge .If you … Read more
It can be both an asset or Liability! 10 years ago Flat bought in Noida is a liability today and in Gurgaon an Asset. NOIDA Buying Flats is like buying Equity . If you buy at the right price, Right asset and right time it becomes an asset or else a liability! Many factors which … Read more
Most Short duration and Liquid Funds are marketed as instruments which provide higher liquidity than FD and slightly higher yield. This is a myth because: Short term (below <3 year) Debt funds are taxed at your tax slab which means it could be as high as 30%. No matter how safe a debt fund claim … Read more
For someone who has never invested in P2P, starting from scratch is a hassle. I have written down the process and strategy for a beginner. How to Open an account : As of now I am actively investing in 4 Platforms I2I Funding LendenClub RupeeCircle CashKumar Some of the platform I had evaluated and stopped … Read more
It doesn’t make much sense in investing in Mutual Funds Mutual Fund companies and Wealth Managers have all the reason to make you believe that you are going to be a crorepati in 5 years Let’ s start from the beginning PART 1: Why active investing sucks for most people Why do People invest in … Read more
In Part 1 I covered how important is to manage expense and track them religiously ( Managing Expense ) In Part 2 I am covering Investment Allocation Liquidity Management Investment Allocation : Somebody tells you about some great investment product. What do you do? You put some money into it .Does this change the outcome of your … Read more
People keep asking me which is the best mutual fund? Which is the best stock in long term? Will Crypto make it big? Is Real Estate better than Stock ? Is P2P lending good? I should be honest about it that I dont know the exact answers of these questions ! I can only predict … Read more
